Creditable Coverage 101

Although you should receive a Certificate of Creditable Coverage automatically, if you don't receive one, contact the Plan Administrator of the former plan. You can also contact the insurer or HMO for a certificate if the creditable coverage was insured or provided by an HMO.

If you receive resistance, consider reminding the person that the law provides you have a right to the Certificate at any time.

If the plan was insured, also consider speaking with the insurance broker or agent for your employer. He or she should be able to contact the right people at the insurance company and get you a Certificate. Of course if you haven't told the employer yet that you're leaving, consider waiting to obtain the Certificate until you do.

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